Home Equity Loans

Looking to consolidate your high interest loans?  Or buying a new car?  Or dozens of other reasons. 
If you have the need for cash, a fixed rate Home Equity Loan is a wise alternative to other higher interest,
on tax-deductible loans. Use the equity in your home and finance your needs.

• Competitive fixed rates with terms up to 20 years 
• Borrow up to $250,000
• Pay no closing costs except for NYS mortgage tax
• Borrow against the value of your home 
• Competitive rates; in most cases they're lower than credit cards and consumer loans
• Fast approval by friendly & professional staff, trained to make your loan process easy
• Interest paid may be tax deductible - please consult a tax advisor

Home Equity Line of Credit

Building an addition to or renovating your house?  If you need access to money for a longer term project,
a Home Equity Line of Credit is a smart alternative to other high interest, non tax-deductible loans. 
Use the equity in you home and finance your needs.

• Low variable rate based on the prime rate minus .25%, adjusts monthly  
• Borrow up to $250,000
• Revolving line of credit is open for 10 years, with 15 years to repay
• Access your line of credit just by writing a check
• Interest-only payment option available
• Pay no closing costs except for NYS mortgage tax
• Borrow against the value of your home
• Competitive rates; in most cases they're lower than credit cards and consumer loans
• Fast approval by friendly & professional staff, trained to make your loan process easy  
• Interest paid may be tax deductible - please consult a tax advisor